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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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COMMUNITY NATIONAL BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY NATIONAL BANK |
| Address | 210 MAIN STREET
SENECA, KS 66538 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 151 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $13,831,000 |
| Average Mortgage Loan Amount Applied For | $99,470 |
| Highest Mortgage Loan Amount Applied For | $345,000 |
| Average Applicant Income | $86,882 |
| Highest Applicant Income | $311,000 |
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| Home Improvement |
5 | $172,000 |
$34,000 | $75,000 |
$51,000 | $61,000 |
| Home Purchase |
53 | $4,841,000 |
$91,000 | $275,000 |
$73,000 | $265,000 |
| Refinancing |
93 | $8,818,000 |
$94,000 | $345,000 |
$81,000 | $311,000 |
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| American Indian or Alaskan Native |
2 | $363,000 |
$181,000 | $345,000 |
$116,000 | $120,000 |
| Asian |
1 | $213,000 |
$213,000 | $213,000 |
$113,000 | $113,000 |
| Black or African American |
2 | $298,000 |
$149,000 | $248,000 |
$49,000 | $75,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
8 | $865,000 |
$108,000 | $292,000 |
$151,000 | $309,000 |
| Not Provided |
1 | $73,000 |
$73,000 | $73,000 |
$17,000 | $17,000 |
| White |
137 | $12,019,000 |
$87,000 | $327,000 |
$73,000 | $311,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
151 | $13,831,000 |
$91,000 | $345,000 |
$77,000 | $311,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
18 | $2,267,000 |
$125,000 | $345,000 |
$56,000 | $180,000 |
| Application Denied By Financial Institution |
7 | $705,000 |
$100,000 | $272,000 |
$53,000 | $108,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
126 | $10,859,000 |
$86,000 | $327,000 |
$82,000 | $311,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
2 | $275,000 |
$137,000 | $200,000 |
$53,000 | $60,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
2 | $286,000 |
$143,000 | $272,000 |
$62,000 | $108,000 |
| Debt-To-Income Ratio |
2 | $136,000 |
$68,000 | $116,000 |
$54,000 | $77,000 |
| Employment History |
1 | $8,000 |
$8,000 | $8,000 |
$38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for COMMUNITY NATIONAL BANK by:
Metropolitan Area And
County
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